Applying for a credit card involves several important things to do and research. Ensuring you have accurate information in your credit file is the number one concern. Knowing your credit score is important before you apply for credit, and researching the right type of credit card for your lifestyle are the three steps that should be done before applying for any credit card offer.

Applying for a credit card is not as simple as it may seem. There are several things to factor in and your credit scores are also a major factor.

The first thing you should do before filling out a credit card application is to get a copy of your free credit report. Check your credit report and score to make sure that you have the most accurate information displayed on your credit report. If you have been denied credit in the past you can usually get a copy of your credit report for free, from the credit bureau that was used in your denial letter. If that is not an option, most free credit report offers, have a free trial up to for the first 30 days, which you can opt out of or keep continuously and pay a fee of usually $9-$12 a month.

Your credit score determines which are interest rate is going to be and the length of time that you may be eligible for 0% intro APR. If you have inaccurate trade lines on your credit report, your credit score will be lower and you’ll end up with a higher interest rate or lower promotional length of time on your 0% intro APR. so make sure that your credit report and credit score reflect accurately your repayment history.

Once you know that your credit score in credit report are up-to-date, the next thing you want to do is compare credit card application offers. To make sure that you find the best possible rates, credit cards with no annual fees, and rewards that fit your lifestyle. Websites that will display all the fine print for you, like the annual fees, the intro period, interest rate, and other fine print terms can save you time and hassle.

When you find a credit card that meets all the criteria for your lifestyle including a low interest rate, a lower no annual fee, and the rates have rewards, you’re ready to apply for a credit card.